By Denise Koslowsky When I talk about insurance, which is quite often, sooner or later the conversation will come back to what I currently consider a crisis – the many homeowners who are underinsured. It is an easy topic to understand when you are speaking in regards to the homes devastated by wildfires in California or the homes torn apart...

With all the rain and the abundance of hurricanes and tropical storms we’ve been faced with this year, Advocate Brokerage feels like we need to share some truths with you about flood insurance. Below are a few assumptions people make about flood insurance and what you need to know. I have homeowners insurance so I’m covered. What you need to...

                Safety first!  If you have been asked to evacuate, please do!  Do not attempt to ride out the storm.  Property can be replaced but you cannot be. Next, there are things you can do now to protect your property. What to do now: Install Storm Shuttersright away and be sure to deadbolt and lock your front...

People up and down the East coast are taking notice and making plans to prepare themselves and their property for Hurricane Florence. Business owners also need to take steps to protect their livelihood.  Losses that businesses incur during a hurricane can be crippling. The following tips are offered to help your business be prepared as you can and recover as...

We’ve all seen images of vehicles submerged, reminders of the storm surges and flash flooding a hurricane can leave behind.  For those who find themselves in the path of Hurricane Florence, we’d like to offer some preventative tips should you have to evacuate and leave your car behind. What to do now, before the storm hits: Fill your gas tank...

The summer of 2018 is proving to be a very, wet summer. The national rainfall average is higher than normal and when adding in factors such as climate change and an increase in urban development, the risk for flooding increases. It also means that there are potentially millions of Americans who are at risk for flooding and currently have no...

  In a recent article on Property Casualty 360 that we shared on our facebook page a study by the University of Bristol revealed that the risk for flooding is higher than the current FEMA modeling shows. The study estimates that 41 million Americans are at risk from flooding rivers. That is almost 3 times the current estimate and does...

    Making Sense of Flood Insurance Since late August our country has been dealing with the very real devastation of not one but two hurricanes.  With Hurricane Harvey, homes in Houston, never before affected by floods, were devastated leaving people with thousands of dollars of damage and no protection from insurance.  Hurricane Irma virtually destroyed the Florida Keys and...

Recent summer storms have showered a deluge of rain across our area.  We’ve seen flooding in New Jersey and I would guess that few of us were surprised.  The prevailing feeling still exists, flooding happens in coastal areas…not here. The truth is this:  floods can happen anywhere. Now add to that truth with the fact that our weather has been...

We talked about flood insurance at the beginning of the month but since it is a topic we find so important, we are going to talk about it once more! For this week’s blog Roz Binday wanted to share her thoughts. 100-YEAR FLOODS DON’T NECESSARILY TAKE 100 YEARS TO RECUR By Roz Binday Some say that Hurricane Sandy which occurred...